The validity period is 15 working days. Any bad records in the company will be displayed in the credit information system and can be found. At present, the central bank's credit information system is mainly connected with the headquarters of financial institutions such as commercial banks through special lines, and the terminal extends to the business counters of credit personnel of branches of commercial banks through the intranet system of commercial banks.
At present, the information sources of the credit information system are mainly financial institutions such as commercial banks.
If the credit report records that customers have outstanding loans, banks must be cautious when considering whether to provide loans to customers.
Banks are very likely to let customers provide mortgages and guarantees, or reduce the loan amount, or raise the loan interest rate, or refuse to lend to customers.
If the credit report reflects that the customer has borrowed a lot of money, the bank will be very cautious, fearing that the customer's debt is unbearable and may refuse to provide loans to the customer. This reminds customers to cherish their credit records and consciously accumulate their credit wealth.
Second, which small loan companies are better?
If it is a good small loan company, it is still a green set. I will definitely consider giving it to the collection company after urging it back. I want to know which one you borrow. However, it is best to negotiate peacefully if there are difficulties. If others can't find someone to borrow money, they will definitely take measures. You must have kept the phone details when you signed the contract.
3. What are the regular small loan companies?
A formal microfinance company refers to a limited liability company or a joint stock limited company invested and established by a natural person or social organization. Attention should be paid to the establishment of formal small loan companies. The company deals in the loan industry.
legal ground
Article 6 of People's Republic of China (PRC) Company Law
To establish a company, it shall apply to the company registration authority for registration of establishment according to law. Those that meet the requirements shall be registered as limited liability companies or joint stock limited companies respectively by the company registration authority; Those who do not meet the conditions for establishment as stipulated in this Law shall not be registered as a limited liability company or a joint stock limited company.
Where laws and administrative regulations stipulate that the establishment of a company must be approved, it shall be approved.
The public can apply to the company registration authority to inquire about the registered items of the company, and the company can register.
4. What are the regular small loan companies? Look at these. There's no direction.
Formal small loan companies are established with the approval of relevant departments, which meet the relevant requirements, such as having real investment capital, handling business licenses, handling tax registration, and controlling the loan interest rate within the statutory scope. Therefore, here are some qualified regular small loan companies.
1, Du Xiaoman Du Xiaoman Co., Ltd. was established in Chongqing. Is a wholly-owned legal person with a registered capital of 500 million yuan. Its rich flower is Du Xiaoman's financial credit service brand, and the minimum daily interest rate is annualized. It is a qualified regular small loan company. 2. Jingdong Finance The affiliated company of Jingdong Finance was established in Beijing, and it is also a limited liability company wholly owned by a legal person with a registered capital of 654.38+0 million. The JD.COM Gold Bar it launched is a cash loan product tailored for JD.COM users with good credit. It is a regular small loan company with brand guarantee, with the lowest daily interest rate. 3. Zhongyuan Consumer Finance Zhongyuan Consumer Finance was initiated by Henan Zhongyuan Bank. Approved by Henan Banking Insurance Regulatory Bureau, the registered capital is 2 billion yuan, and the interest rate is open and transparent. According to the customer's risk difference, the price is set within the scope permitted by law. There is no reason for formal repayment within 7 days, that is, the interest rate for the first loan settled within 7 days is free. 4. Zhaolian Consumer Finance Zhaolian Consumer Finance was jointly established by China Merchants Bank and China Unicom, two fortune 500 companies, with the approval of China Banking Regulatory Commission. Its registered address is in Shenzhen, with a registered capital of 654.38 billion yuan. Its strength is very strong, and the cash loan products with good term loans are priced within the scope permitted by law from the perspective of annualized interest rates. 5. China Post Consumer Finance China Post Consumer Finance was initiated by China Postal Savings Bank. With the approval of China Banking and China Insurance Regulatory Commission, its registered capital increased to USD 3 billion. Headquartered in Guangzhou, the interest rate range of its various small loan products is clear. The minimum annualized interest rate does not exceed the requirements of regular small loan companies. In addition to these regular small loan companies, there are many others, such as Weizhong Bank Micro-loan, Ant Financial Service Loan, Didi Finance Didi Loan and so on.